Tag Archives: credit

According to the 2010 Ariel Black Investor Survey, African Americans consistently saved and invested less than whites of similar incomes over the past decade. As BLACK ENTERPRISE CEO Earl "Butch" Graves, Jr. wrote in a recent Executive Memo: "Make money work for you, not against you. We must reverse this trend by taking a disciplined approach." For the February issue of BLACK ENTERPRISE magazine, I charged our Finance Editor John Simons and our Consumer Affairs Editor Sheiresa Ngo with wwweloping 10 power moves to improve our readers' finances. Follow these tips to better manage your money today an dreap huge benefits tomorrow!--Derek Dingle

10 Power Moves to Help You Better Manage Your Money

Simple steps to help you spend, save and invest smarter

According to the 2010 Ariel Black Investor Survey, African Americans consistently saved and invested less…

By Derek T. Dingle

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The Statute of Limitations on Debt

Make sure you know the rules of how to deal with long-term debt

The statute of limitations. You’ve most likely heard the term before, but you may not…

By Sheiresa Ngo

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4 Things You Might Not Know About Credit

Think you know everything about credit? You might be surprised by these overlooked options

How much do you know about credit? Below are four things you might not be…

By Sheiresa Ngo

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The holiday shopping season is over and the New Year has begun. Reaching your financial goals starts with getting a clear picture of where you are today. Guessing and estimating will not do; you need to know exactly where you stand financially, to the dollar if not to the penny, not in your head, but on paper (even better, on computer). To increase your wealth by December 31, 2011, here's what you need to do NOW. --Alfred Edmond Jr.

5 Steps to a Richer 2011

Reaching your financial goals starts with getting a clear picture of where you are. Here's what to do NOW!

The holiday shopping season is over and the New Year has begun. Reaching your financial…

By Alfred Edmond, Jr.

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How Bad Credit Can Hurt Your Career

If you think your employer doesnt care about how you handle money, think again

Here are four things to know about credit and your job

By Sheiresa Ngo

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Taking Control

Kyla Acie knows how to save, but she needs to set investment goals for retirement and her child�s education

Investing for long-term goals is important to Acie. Many African Americans, regardless of age or…

By Carolyn M. Brown

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Credit Reporting Myths and Reality

Before making a major purchase, arm yourself with the right information

Garnell Shumate wants to buy a home in 2011, so she works hard to maintain…

By Denise Campbell Laidler

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Year-End Financial Checkup

Use this guide to help you evaluate your financial health

Here are some guidelines to help you conduct your own financial checkup.

By Sheryl Nance-Nash

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Counterpoint: Making the Case Against Money Disorders

Why your poor relationship with money may be deeper than you think

The dysfunctional relationship between some people and their money is not a money disorder. Instead,…

By Renita Burns

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Money Expert Q&A: When Stores Cancel Your Line of Credit

Answers for your personal financial-related questions and concerns

I got a letter in the mail that my credit card account for an electronics…

By Sheiresa Ngo

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Love & Money: How to Merge Finances with Your Spouse

Your guide to managing matters of finance and romance

If you’re recently married, at some point you’ll be faced with a big decision: how…

By Sheiresa Ngo

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Managing Credit: Understanding Your Utilization Ratio

Your guide to understanding and managing your credit.

Creditors use a calculation called a credit utilization ratio, which makes up 30% of your…

By Sheiresa Ngo

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How to Combat New Banking Fees

Banks continue to look for ways to make up losses

You might be breathing a sigh of relief after the recent changes to banking fees…

By Sheiresa Ngo

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10 Questions to Ask a Debt Settlement Company

Understand what you�re getting into

Debt settlement might seem like an easy out, but there are many risks involved. Learn…

By Sheiresa Ngo

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What You Should Know Before Settling Credit Card Debt

Be mindful of the pros and cons of consulting a service

If you’re up to your eyeballs in debt and can’t see the light at the…

By Sheiresa Ngo

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Do You Know Your Business Credit Score?

Whether managing or repairing it, understand how it affects operations and the bottom line

In the current economic environment, business owners understand that a good personal credit score is…

By Emerald S. Morrow

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Pep Talk: Ready to be Debt-Free

How can I get on track if I am always in the hole?

I’m a 32-year-old mother of two and I’ve spent a great deal of time living…

By Tennille M. Robinson

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Green Credit Cards

Is an environmentally conscious credit card right for you?

Everyone close to Chanté Evans, 30, knows
being “green” is a priority for her. Each year…

By Leslie E. Royal

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Credit Card Reform Starts Today

Consumers gain rights with new provisions

The landmark legislation that Obama signed in the spring of 2009 that was designed to…

By Renita Burns

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Ask Your Advocate: Can Unemployment Lead to Bankruptcy?

I’ve been unemployed for the last six months, and I’ve spent most of my emergency…

By Sheiresa Ngo

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